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Smart Credit Card

Looking for a low rate credit card without all the fuss? Our Smart Credit Card might just be the credit card for you.

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Looking for a low rate credit card without all the fuss? Our Smart Credit Card might just be the credit card for you. Apply Online
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This is the Albert Einstein of credit cards

If you're looking for a smart option, this is the credit card for you. It's straightforward and honest, with no hidden fees or gimmicks. Are you wanting to do a balance transfer and pay off your current credit card? Our Smart Credit Card is the perfect choice.

How do you know if the Smart Credit Card is right for you?

  • Same low rate for purchase or cash advances
  • NO Annual Fee
  • NO Balance Transfer Fee
  • Set up a Family Credit Card to have multiple users, assign credit limits and monitor spending

Apply online for your Smart Credit Card

Managing your credit card account on the go has never been easier with our time saving mobile app

  • Make a payment
  • Check your balance
  • View available credit limit
  • View transaction history

Download the app today

Protecting you and your credit card is our top priority

  • State-of-the-art EMV Chip Security for safer transactions at the checkout
  • Identity Theft Resolution Services that provide assistance with the process of restoring your identity in the event of identity theft

Get your Smart Credit Card questions answered by a PRO

Transparency is important to us. Our fine print is actually the same size as anything else we talk about.

Billing Rights:
We use a method called “average daily balance (including new purchases)” to calculate your balance. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Click here to view.

Interest Rates & Charges
Annual Percentage Rate (APR) for purchases, balance transfers and cash advances 7.99 - 19.99%
APR will vary with the market based on the prime rate.
Penalty APR None
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchased if you pay your entire balance by the due date each month. We will be begin charging interest on cash advances and balance transfer on the transaction date.
Minimum Interest Charge None
For credit card tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card visit, the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/
Fees
Annual Fee None
Balance Transfer None
Cash Advance None
Foreign Transaction 1% of each transaction in US dollars
Late Payment $25 or your minimum payment required, whichever is less if your payment is late 5 days or more and your balance is $100 or more
Returned Payment $25 or your minimum payment required, whichever is less if your payment is returned for any reason
Interested in Establishing Your Credit?

Interested in Establishing Your Credit?

A safe and easy way to build your credit is with a Rewards Credit Card. It’s as simple as making your credit card payments on time every month. Want to set up automatic payments so you never have to worry about if you’re on time or not? Just say the word.

LEARN MORE ABOUT CREDIT CARDS
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Happy To Help Stories

Why do our members love being part of OKCU? Find out below.

  • OECU Happy Face

    I forgot to change my credit limit before I left for vacation, and in just a few minutes I was able to use it with no problems!

    – Tonya A.

  • Kassandra S.
    I started my credit by applying for a secured credit card! I have been advised on how to maintain good credit history and pay off my credit card.

    – Kassandra S.
  • Charles D.

    I can get unbiased advice from you about credit and credit cards. Thanks.

    – Charles D.

  • Beverly Jane S.

    OKCU went above and beyond in guiding us through our identity theft crisis. We appreciate their professionalism and understanding!

    – Beverly Jane S.

  • Chelsea C.

    I was able to open a line of credit with OKCU’s credit card program. When I had to buy a car, my good credit score helped me get a low interest rate.

    – Chelsea C.

  • Crystal G.

    We have been able to secure a credit card and auto loans, which could not have been done without the exceptional personnel of OKCU.

    – Crystal G.

  • Alisha O
    Our credit card was stolen and our money was refunded within 24 hours!

    – Alisha O.
    ​Member Since 2008